Non-QM Mortgage Navigator
Non-QM Credit, LTV & Reserve Requirements
There is no single Non-QM credit-score, loan-to-value or reserve requirement. These are private-investor programs, and eligibility is usually a matrix of several risks rather than one universal cutoff.
Credit is one layer
A stronger credit profile may permit higher leverage or more flexible documentation on some products, while weaker credit may require more equity, reserves or other compensating factors.
LTV is product-specific
Maximum LTV can change with occupancy, property type, loan size, documentation type and credit history.
Reserves matter
Required reserves can vary by investor and may increase for larger balances, multiple financed properties, weaker credit or riskier documentation.
Read the matrix together
Do not quote a score, LTV or reserve number from one lender as a universal Non-QM rule.
MortgageDadOf3 guardrail: Non-QM is not one universal guideline. Exact credit, LTV, DTI, reserves, documentation, property, pricing and state eligibility can vary by lender, investor and product. Consumer-purpose loans also remain subject to applicable federal and state law.